A Study On The Factors Influencing The Risk Of Corporate Loans Of Listed Commercial Banks

At present,China is in the stage of economic downturn,and with the reform of the financial sector,the degree of credit risk of commercial banks has been deepened.According to statistics,the amount of non-performing loans and non-performing loan ratio increased,it has become a common phenomenon in today's commercial banks,while non-performing loan rate can show the quality of credit assets.In the commercial bank loans accounted for the highest number of corporate loans,non-performing rate of loans and the company is much higher than the rate of bad loans to individuals,so the study of factors affecting the company loan risk to play an important role and far-reaching significance to enhance the ability of risk control of commercial bank loans.First of all this paper summarizes research results on issues related to domestic and foreign scholars,systematically expounded the general theory of corporate loans risk influence factors,including the meaning and characteristics of corporate loan risk,and then make the research hypotheses based on the basic theory,as the theoretical foundation for the following.Secondly,this paper analyzes the current situation and risk performance of corporate loans of listed commercial banks from the aspects of the growth rate and the proportion of corporate loans.At the same time,this paper analyzes the influence of the macro level,the bank level and the enterprise level on the loan risk.Again,this paper selects 20 groups of quarterly panel data of 16 listed commercial banks from 2011 to 2015,the non-performing loan ratio as explanatory variables,the GDP growth rate,M2 growth rate,asset size,coverage ratio,capital adequacy ratio,net interest margin,PMI,wholesale and retail enterprises climate index as explanatory variables,regression model,regression analysis.Finally,the results of the study show that: the level of macro economic development and monetary policy environment,bank size,bank risk management,business conditions can affect the risk of corporate loans,the greatest impact is the scale of assets,the second is the macro economic development level,again is the commercial bank risk management capabilities,and the enterprise management status,finally is monetary policy environment.Then,based on the conclusions,the paper puts forward some suggestions to improve the ability of controlling the risk of commercial bank loans.